Free Online Calculators — Finance, Health & Math
Explore CalculHub's free online calculators for finance, health, and math. Our accurate tools help you make informed decisions with precision and ease. No login required.
Our Calculators
Financial
Mortgage Calculator
Calculate your monthly mortgage payments and amortization schedule.
Use Mortgage CalculatorCompound Interest
See how your investments grow over time with compound interest.
Use Compound InterestMutual Fund Returns Calculator
Helps you calculate the absolute or annualized (XIRR) returns on your existing mutual fund investments.
Use Mutual Fund Returns CalculatorFixed Deposit Calculator
Calculates the maturity amount and interest you earn on a fixed deposit.
Use Fixed Deposit CalculatorPPF (Public Provident Fund) Calculator
Estimates the maturity value of your PPF account, which has a 15-year lock-in period.
Use PPF (Public Provident Fund) CalculatorIncome Tax Calculator
Determine your annual tax liability and effective tax rate.
Use Income Tax CalculatorLoan Eligibility / Affordability Calculator
Estimates the maximum loan amount you are likely to be approved for based on your income and existing debts.
Use Loan Eligibility / Affordability CalculatorHome Loan EMI Calculator
Calculate your monthly home loan payments (EMI) and see a breakdown of principal and interest.
Use Home Loan EMI CalculatorMathematical
Scientific Calculator
Perform complex scientific and mathematical operations.
Use Scientific CalculatorAlgebra Calculator
Solve equations, factor polynomials, and graph inequalities.
Use Algebra CalculatorMatrix Calculator
Perform matrix operations, such as addition, subtraction, and multiplication.
Use Matrix CalculatorStatistics Calculator
Calculate various statistics, such as mean, median, and mode.
Use Statistics CalculatorHealth & Fitness
Calorie Calculator
Find your daily calorie needs for weight loss, gain, or maintenance.
Use Calorie CalculatorBody Fat Calculator
Estimate fat percentage, lean body mass, and fat mass using body measurements.
Use Body Fat CalculatorIdeal Weight Calculator
Determine a target healthy weight range based on height, age, and gender.
Use Ideal Weight CalculatorMarkets & Rates
Currency Converter
Convert between 150+ fiat currencies with live, real-time exchange rates.
Use Currency ConverterGold & Silver Rate Calculator
Calculate live gold and silver prices with purity, weight, and GST taxes.
Use Gold & Silver Rate CalculatorComprehensive Free Online Calculators — Finance, Health & Math
CalculHub is India's trusted destination for accurate, instant, and completely free online calculators. No sign-up. No ads. No tracking. Every tool runs entirely in your browser — from EMI planning and SIP projections to BMI checks and scientific equations — built for students, professionals, and everyday decision-makers across India and beyond.
Empower your financial future with free finance calculators
Managing personal finances in India can feel overwhelming — rising property prices, changing tax slabs, complex investment products, and fluctuating interest rates all demand constant recalculation. CalculHub's suite of free online finance calculators puts every critical number at your fingertips, instantly, without downloading an app or creating an account.
Whether you are a first-time home buyer estimating your monthly EMI, a salaried professional computing your income tax liability, or a long-term investor projecting SIP returns, our tools deliver accurate results powered by standard financial formulas used by banks and financial institutions across India.
Mortgage & home loan EMI calculator
Our mortgage calculator and home loan EMI calculator are among the most used tools on CalculHub. Enter your loan principal, interest rate, and tenure to instantly see your monthly instalment (EMI), total interest payable, and a full amortization schedule. Planning to buy a flat in Mumbai, Bangalore, or Hyderabad? Use the affordability calculator alongside to check how much loan you qualify for based on your monthly income and existing obligations. The amortization schedule breaks down every single payment over the loan tenure, showing exactly how much goes toward principal reduction versus interest — invaluable knowledge for planning prepayments and reducing total interest outgo.
SIP calculator — systematic investment planning made simple
A Systematic Investment Plan (SIP) is the most popular way Indians invest in mutual funds today. Our free SIP calculator helps you estimate the future value of your monthly investments by factoring in compounding returns over time. Input your monthly SIP amount, expected annual return rate, and investment duration — and instantly see how your wealth grows. Whether you are saving for your child's education, a dream wedding, or early retirement, the SIP calculator makes goal-based investing tangible and motivating. You can also compare different monthly amounts side by side to understand the impact of even a small increase in your SIP contribution on the final corpus.
Fixed deposit & PPF calculator
Fixed deposits remain the backbone of conservative Indian savings. Our FD calculator computes the maturity amount and total interest earned for any deposit — whether compounded monthly, quarterly, or annually. Pair it with our PPF calculator for a complete picture of your risk-free savings. The Public Provident Fund (PPF) has a mandatory 15-year lock-in, and our calculator shows you the year-by-year accumulation based on the current PPF interest rate, helping you visualise the power of long-term tax-free compounding. Both tools are especially useful for comparing post-tax returns across savings instruments.
GST calculator & income tax calculator
Tax compliance is non-negotiable for businesses and salaried individuals alike. Our GST calculator instantly adds or removes Goods and Services Tax (5%, 12%, 18%, or 28%) from any base amount — perfect for freelancers raising invoices, shop owners billing customers, or consumers verifying receipts. The income tax calculator covers both the old and new tax regimes for FY 2024-25, letting you compare your liability under each slab and choose the option that maximises your savings. It accounts for standard deduction, HRA, 80C investments, 80D health insurance premiums, and other common exemptions so your estimate is as close to your actual liability as possible.
Calculate absolute and XIRR returns on existing investments. See whether your portfolio is truly outperforming inflation and benchmark indices.
Visualise how money multiplies with compound interest versus simple interest across different compounding frequencies — monthly, quarterly, or annually.
Estimate the maximum loan amount banks will sanction based on your salary, Fixed Obligation to Income Ratio (FOIR), and existing EMI commitments.
15-year compounding on PPF with annual breakdown — see the tax-free corpus you build over time at the current interest rate declared by the government.
ℹ️ All financial calculations on CalculHub follow RBI guidelines and standard actuarial formulas. Results are indicative and intended for planning purposes — consult a certified financial advisor before making investment or borrowing decisions.
Achieve your health & fitness goals with precision tools
Health is your most valuable long-term investment, and data-driven wellness decisions begin with accurate numbers. CalculHub's free online health calculators are built on WHO-approved and NIH-validated formulas, giving you clinically informed metrics without the need for a fitness app subscription or a gym consultation fee.
BMI calculator — understanding body mass index
The Body Mass Index (BMI) is the globally accepted standard for classifying weight status. Our BMI calculator uses the WHO formula (weight in kg divided by height in metres squared) to instantly categorise you as underweight, normal weight, overweight, or obese. Beyond the number, CalculHub explains what your BMI score means for long-term health risks including Type 2 diabetes, cardiovascular disease, and hypertension — giving context that raw numbers alone cannot provide. The calculator supports both metric (kg/cm) and imperial (lbs/inches) inputs, making it equally useful for users across India, the US, the UK, and the UAE.
Calorie calculator & TDEE — know your daily energy needs
Whether your goal is fat loss, muscle gain, or maintenance, understanding your Total Daily Energy Expenditure (TDEE) is the single most important dietary metric. Our calorie calculator uses the Mifflin-St Jeor equation — the gold standard recommended by registered dietitians — incorporating your age, gender, height, weight, and activity level to compute your Basal Metabolic Rate (BMR) and adjust it for your daily movement. The result is a precise daily calorie target for your specific goal, alongside a macronutrient breakdown of proteins, carbohydrates, and fats in grams. This is the same methodology used by professional nutritionists and sports scientists.
Ideal weight calculator
Rather than a single target weight, our ideal weight calculator presents a healthy weight range derived from four established medical formulas — Robinson, Miller, Devine, and Hamwi — and provides the range most appropriate for your height and gender. This nuanced approach recognises that ideal body weight is not one-size-fits-all and depends on bone density, muscle mass, and individual body composition. Setting a realistic, evidence-based weight target is the first step to a sustainable fitness journey.
Body fat percentage calculator
BMI tells you about relative weight, but body fat percentage tells you about body composition — a far more meaningful metric for athletes and fitness enthusiasts. Our body fat calculator uses the U.S. Navy circumference method (requiring waist, neck, and hip measurements) to estimate total fat mass versus lean body mass. High body fat — even in individuals with a "normal" BMI, a condition called normal-weight obesity — is associated with elevated metabolic risk. Track your body fat percentage monthly to gauge the real effectiveness of your fitness programme beyond just the weighing scale.
Simplify complex mathematical problems instantly
Mathematics underpins everything — from a student solving quadratic equations for board exams, to a business analyst computing statistical significance, to an engineer evaluating matrix transformations. CalculHub's free math calculators bring professional-grade computation to any browser with no installation, no subscription, and no complexity.
Scientific calculator — advanced operations in your browser
Our browser-based scientific calculator supports trigonometric functions (sin, cos, tan and their inverses), logarithms (log₁₀ and ln), exponents, square roots, factorials, and mathematical constants like π and e. It follows standard operator precedence (BODMAS/PEMDAS) and supports both degree and radian modes — covering the full scope of Class 11-12 and undergraduate mathematics curricula. No download needed; it works flawlessly on mobile, tablet, and desktop alike, making it the ideal companion during exams, homework sessions, and quick professional calculations.
Percentage calculator — solve any percentage problem instantly
Percentages appear in virtually every domain — discounts at retail stores, GST tax rates, bank interest rates, exam scores, stock returns, and more. Our percentage calculator handles six common problem types: find the percentage of a number, find what percentage X is of Y, find the original value before a percentage increase or decrease, calculate the percentage change between two values, and more. Each result updates in real time as you type, making it ideal for quick mental-math verification in shopping, finance, and academics.
Algebra calculator
Solve linear and quadratic equations, simplify algebraic expressions, and factor polynomials step by step with our algebra calculator. Designed for students preparing for CBSE, ICSE, JEE Mains, JEE Advanced, and other competitive examinations, as well as working professionals who need quick symbolic manipulation without opening a full-fledged CAS software package. The step-by-step solution display helps reinforce conceptual understanding, not just deliver an answer.
Matrix calculator
Perform matrix addition, subtraction, multiplication, transposition, and determinant calculation for matrices up to 4×4 using our matrix calculator. Ideal for students in linear algebra and engineering mathematics courses, and for data scientists working with transformation matrices, covariance matrices, or neural network weight tensors. Results are displayed in a clean grid format, making it easy to verify hand-computed answers and spot errors.
Statistics calculator
Enter any dataset and instantly compute the mean, median, mode, range, variance, and standard deviation with our statistics calculator. Indispensable for Class 10-12 students, psychology and social science researchers, quality control engineers, and anyone who needs descriptive statistics quickly without launching Excel or SPSS. Paste in a comma-separated list of values and get the complete statistical summary in one click.
Live market tools — currency, crypto & precious metals
Financial markets never sleep, and neither should your ability to convert, compare, and price assets accurately. CalculHub's market calculators fetch live rates and apply them in real time so you always have the most current data for informed decisions — whether you are an importer checking the USD/INR rate, a jewellery buyer verifying the 22K gold price per gram, or a crypto enthusiast estimating transaction costs.
Currency converter — live exchange rates for 150+ currencies
Our free currency converter uses real-time exchange rate data to convert between over 150 global currencies including INR, USD, EUR, GBP, AED, SGD, JPY, CAD, AUD, and more. Whether you are comparing international tuition fees, planning a foreign trip, calculating import/export costs, or sending remittances abroad, the currency converter gives you an accurate mid-market rate instantly. Unlike bank websites that only show their own buy/sell spread, CalculHub shows you the true interbank rate so you can benchmark any conversion quote you receive.
Gold & silver rate calculator
Gold and silver prices fluctuate daily based on global spot prices, London Bullion Market Association (LBMA) benchmarks, import duties, and applicable GST. Our gold and silver calculator fetches the latest rates and lets you compute the total value of any weight — grams, tola, or troy ounce — at any purity level: 24K, 22K, 18K, or 14K for gold; 999, 925, or 800 for silver. GST at 3% is applied automatically. Useful for jewellery buyers comparing prices across retailers, sellers valuing old gold, pawnbrokers assessing collateral, and investors tracking their physical precious metal portfolio value in real time.
Crypto calculator
The cryptocurrency market moves at unprecedented speed. Our crypto calculator helps you estimate the effective value of cryptocurrency swaps and transaction fee costs, giving you a clear picture of the net conversion rate after network fees (gas fees for Ethereum, network fees for Bitcoin, etc.) are applied. Essential for anyone actively trading or investing in digital assets who wants a clear cost breakdown before confirming a transaction.
⚠️ Market rates shown are real-time mid-market rates for reference purposes only. Actual buy/sell rates at banks, money exchange counters, and remittance providers will differ due to their spread and service fees. Always confirm with your bank or exchange before transacting.
Frequently asked questions about CalculHub
Are all CalculHub calculators completely free to use?
Yes — every calculator on CalculHub is 100% free with no hidden charges, no premium tiers, no paywall, and no account creation required. All tools are accessible directly from your browser on any device at any time.
Does CalculHub store or share my personal data?
No. All calculations run entirely inside your browser using JavaScript. No inputs you enter are ever sent to a server, stored in a database, or shared with any third party. CalculHub is privacy-first by architecture — your financial figures, health metrics, and personal inputs never leave your device.
How accurate are the financial calculators?
CalculHub's financial calculators use standard formulas prescribed by RBI and SEBI guidelines — the same formulas used by banks, NBFCs, and financial institutions. Results are accurate for planning and estimation purposes. For binding financial, legal, or tax advice, always consult a certified financial planner (CFP) or chartered accountant (CA).
Which BMI and TDEE formulas does CalculHub use?
The BMI calculator uses the WHO standard formula: weight (kg) ÷ height² (m²). The calorie and TDEE calculator uses the Mifflin-St Jeor equation, which is the most accurate formula recommended by clinical dietitians for estimating Basal Metabolic Rate. The ideal weight calculator uses four clinical formulas — Robinson (1983), Miller (1983), Devine (1974), and Hamwi — and displays all results together for a comprehensive range.
Can I use CalculHub on my mobile phone?
Absolutely. CalculHub is fully responsive and optimised for all screen sizes including smartphones, tablets, laptops, and desktops. No app download is needed — simply visit CalculHub in your mobile browser and all tools work natively, even on slower internet connections.
How often are currency and gold/silver rates updated?
Live rates on the currency converter and gold/silver calculator are fetched in real time from market data APIs each time you open or reload the calculator. This ensures you always work with current mid-market rates rather than stale cached values that could be hours or days old.
Which tax regimes does the income tax calculator support?
The income tax calculator supports both the Old Tax Regime (with deductions under 80C, 80D, HRA, standard deduction, and others) and the New Tax Regime introduced in the Union Budget. You can compare your tax liability under both regimes side by side to decide which is more beneficial for your specific income profile and investment pattern.
Is there a difference between the SIP calculator and the mutual fund returns calculator?
Yes. The SIP calculator projects the future value of ongoing monthly investments you plan to make — ideal for goal planning. The mutual fund returns calculator evaluates the performance of investments you have already made, computing absolute returns or annualised XIRR based on actual investment amounts and current values. Together they cover both forward planning and backward performance analysis.
Why CalculHub stands out among free calculator websites
There are dozens of calculator websites on the internet, but most are cluttered with intrusive advertisements, require a login for full access, or deliver results without explaining the underlying methodology. CalculHub was designed differently, guided by three core principles that put users first.
Zero data leaves your device. No tracking cookies. No analytics profiling your financial inputs or health metrics. What you calculate stays with you.
Every formula is cross-verified against RBI, WHO, ISO, and SEBI standards before deployment. We cite the formula source so you can verify it yourself.
No page reloads. Results update live as you type — fully optimised for speed on networks ranging from 2G to 5G so nobody is left waiting.
Fully responsive design works flawlessly on any screen — from an entry-level Android smartphone to a 4K desktop monitor. No app required.
CalculHub is completely ad-free. No pop-ups, no banners, no sponsored results. A clean, distraction-free environment for focused calculations.
Designed with Indian financial products, tax laws, and regulations in mind — GST, PPF, SIP, EPF, and income tax slabs are all natively supported.
Built for accuracy.
Designed for speed.
CalculHub is a free, privacy-first calculator platform — no login, no tracking, no ads cluttering your workflow. Every formula is verified against official standards. All calculations run entirely in your browser.
From EMI planning to BMI checks, GST filing to SIP projections — we cover the calculations that matter most to students, professionals, and everyday decision-makers across India and beyond.